What Sahamati does

Sahamati is the not-for-profit industry alliance for India's Account Aggregator (AA) ecosystem, an RBI-regulated framework that enables consent-based financial data sharing between individuals and financial institutions. Headquartered in India, the alliance coordinates 17 licensed Account Aggregators serving over 999 financial entities across banking, non-banking financial companies, asset management, stockbroking, and fintech sectors. Its core function is to enable individuals to securely share their financial data with regulated entities through granular, purpose-specific consent — supporting use cases including credit underwriting, loan collection, fraud checks, wealth management, and digital lending. As of 2026, the ecosystem had linked 272 million accounts, fulfilled 408 million consent requests, and enabled over 2.61 billion financial accounts, with the AA framework accounting for approximately 7.7% of retail and MSME lending by value and roughly 1 in 10 personal loans in India.

Sahamati operates on a collective-ownership model analogous to NPCI for digital payments, funded through coordinated contributions from financial sector participants rather than direct fees. In April 2026, the alliance raised Rs 50 crore from over 30 financial sector entities — including State Bank of India, ICICI Bank, HDFC Bank, Axis Bank, Zerodha, Dhan, Angel One, IndMoney, DMI Finance, Bajaj Finserv, and Aditya Birla — with stakes ranging between 2% and 8.5%. The organization is positioning itself for an enhanced self-regulatory organisation (SRO) role under RBI oversight. Governance has been formalized with the May 2026 appointment of former RBI Deputy Governor Rama Subramaniam Gandhi as non-executive chairman and the addition of three independent directors (Nandkumar Saravade, Monika Halan, Suraj Moraje) alongside board representation from SBI and ICICI Bank. The alliance is supported by 11-50 employees and runs primarily on industry contributions and grants.

Name

Sahamati

Legal name

Sahamati

Website

https://sahamati.org

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Sahamati is a not-for-profit industry alliance governing India's RBI-regulated Account Aggregator ecosystem, enabling consent-based financial data sharing across 999-plus banks, NBFCs, asset managers, stockbrokers, and fintechs.

Ownership category

akta.pro rank

Product category

Community Development Services

NAICS

Individual and Family Services (6241), Emergency and Other Relief Services (624230), Community Food and Housing, and Emergency and Other Relief Services (6242), Other Individual and Family Services (624190)

SIC

Services-Social Services (8300), Agricultural Services (700)

akta.pro primary industry

Rural Livelihoods & Economic Empowerment (BPAGABAA)

akta.pro secondary industries

Infrastructure, Housing & Community Development (BPAGABAL), Refugee, IDP & Migration Humanitarian Assistance (BPAGAAAH)

Keywords

• Community development
• Sustainable livelihoods
• Disaster risk reduction
• Rural health services
• Women empowerment

Headquarters

HQ city

Kathmandu

HQ country

Nepal

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Supply Chain, Marketing or Sales, Technology or R&D, Others

Distribution channels1 record

Marketing channels2 records

Core offering

Sahamati is a Nepal-based non-profit social development organization established in 2001 that delivers community development programs across four pillars: Economic Development and Sustainable Livelihood Promotion, Environment Conservation and Disaster Risk Reduction, Health and Nutrition, and Research and Innovation. Specific offerings include the Empowering Rural Communities in Nepal (ERCN) Project, the Nature-Based Solutions: The Triple Benefit Program (NBS-TBP) with WWF Nepal, the Disaster Resilient Youth and Women Entrepreneurship Project, a 24-hour SAHAMATI Ambulance Service initiated in 2003, a scholarship program for local students, and women cooperative development. Programs are delivered directly to rural households across districts of Nepal including Sindhupalchowk, Kavre, Tanahu, Gorkha, and Nawalparasi-Bardaghat Susta West.

Product overview

SAHAMATI (based on the website content at sahamati.org) is a non-governmental, non-political, and non-profit social development organization established in 2001, headquartered in Gaindakot, Nepal. The organization operates as a unified platform offering community development programs with four core pillars: Economic Development and Sustainable Livelihood Promotion, Environment Conservation and Disaster Risk Reduction, Health and Nutrition, and Research and Innovation. Programs include the Empowering Rural Communities in Nepal (ERCN) Project, Nature-Based Solutions: The Triple Benefit Program (NBS-TBP), Disaster Resilient Youth and Women Entrepreneurship Project, SAHAMATI Ambulance Service, scholarship programs, and women cooperative development initiatives. The organization also hosts the Narayani River Conclave as a periodic knowledge-sharing platform. Note: There is a separate Indian entity also named Sahamati focused on India's Account Aggregator ecosystem for financial data sharing, which is covered in news sources but has no website content in the provided sources.

Differentiator

Problem solved

Functional benefit

Products and services

• Empowering Rural Communities in Nepal (ERCN) Project A livelihood and nutrition project designed to improve the nutritional and health status of rural communities in Sindhupalchowk, Kavre, and Tanahu districts by empowering non-commercial and subsistence farmers through modern agricultural practices, enhanced financial access, and market linkages. Aimed at underserved rural households and smallholder farmers in Nepal.
• Nature-Based Solutions: The Triple Benefit Program (NBS-TBP) A climate resilience and ecosystem restoration program delivered in collaboration with WWF Nepal in the Lower Narayani River Basin. Integrates nature-based solutions, sustainable livelihood creation, and gender-inclusive approaches for communities vulnerable to climate and flood risk.
• Disaster Resilient Youth and Women Entrepreneurship Project An entrepreneurship and livelihood program that creates self-employment opportunities for youth and women in disaster-prone areas of Gorkha District and Nawalparasi-Bardaghat Susta West District through on-farm and off-farm small and micro-enterprises. Designed for disaster-affected and economically vulnerable youth and women.
• SAHAMATI Ambulance Service A 24-hour patient transport service operating since 2003 that provides pickup and drop-off of patients in the Gaindakot area and surrounding districts. Discounted rates are offered to marginalized communities and SAHAMATI members.
• Scholarship Program A scholarship program that supports diligent and needy students from the locality to continue their education and develop into future community leaders. Aimed at local students from low-income households in Sahamati's operating area.
• Women Cooperative Development A program that empowers rural women through the formation and strengthening of cooperatives, fostering economic independence, leadership, and collective enterprise among women in rural Nepal.

Quantifiable outcome

• Rs 1.47 lakh crore in loan disbursals facilitated in H1 FY26
• +4 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Reserve Bank of IndiacoreOthersRegulatory authority establishing the AA framework and planning a self-regulatory organisation for the AA ecosystem, with Sahamati positioned to assume enhanced oversight role
• Board Representatives from State Bank of India and ICICI BankcoreStrategic or Co-development PartnerBoard representation from major public and private sector banks to ensure governance alignment and ecosystem growth strategy
• Rama Subramaniam GandhicoreOthersFormer RBI Deputy Governor appointed as non-executive chairman to lead institutionalization of India's consent-based financial data sharing framework

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Save the Children Nepal: International NGO with active Nepal presence in child welfare, health, education, and community resilience — overlapping with Sahamati's health/nutrition pillar and scholarship program.
• Mercy Corps Nepal: Global humanitarian and development NGO with active Nepal operations in livelihoods, DRR, and youth economic empowerment — directly overlapping with Sahamati's program areas, including the Disaster Resilient Youth and Women Entrepreneurship focus.
• Heifer International Nepal: NGO focused on ending hunger and poverty through sustainable agriculture, livestock, and cooperative development in rural communities — directly comparable to Sahamati's ERCN project and Women Cooperative Development work.
• Oxfam in Nepal: International NGO working on poverty alleviation, gender justice, DRR, and rural livelihoods in Nepal. Comparable thematic focus and target beneficiary populations to Sahamati's program model.
• CARE Nepal: International NGO operating integrated poverty alleviation, women's empowerment, health, and DRR programs across rural Nepal. Highly comparable to Sahamati's four-pillar model and rural community focus, though at significantly larger scale.
• Practical Action Nepal: NGO using technology and innovation to address poverty in Nepal, focused on rural livelihoods, climate resilience, and disaster preparedness — closely aligned with Sahamati's Research & Innovation pillar and DRR focus.
• Good Neighbors International Nepal: International NGO running community development, child sponsorship, livelihoods, and health programs across rural Nepal — directly comparable in thematic scope and operating model.
• World Vision International Nepal: Large international NGO running community development, child welfare, health, and livelihoods programs across multiple Nepal districts. Comparable in multi-pillar model and geographic spread within Nepal.

Broad incumbents

• WWF Nepal: Large international conservation NGO operating in Nepal — existing strategic partner of Sahamati on NBS-TBP. Comparable in environmental conservation and community-based climate resilience, though with significantly broader global mandate and funding base.
• UNDP Nepal: UN development agency coordinating poverty reduction, climate resilience, and governance programs in Nepal. Comparable in mission and beneficiary focus, though operating at much larger scale with policy-level interventions alongside community programs.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sahamatisanstha

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sahamati